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With AGEAS you can only get comprehensive car insurance, which includes a courtesy car, European cover and onward journey assistance. In this review, we look at what AGEAS will cover you for in detail, the claim process and how you can save on your policy.
With roots going back as far as 1824, AGEAS is one the biggest insurers in the UK with more than 5 million customers. It is part of an international group too.
If you like a human touch it has a 24/7 in-house claims team. Meanwhile you get a lifetime guarantee on any repairs done by one of its approved garages.
For the most part Ageas Insurance Limited underwrites its own car insurance policies. Yet legal expenses are underwritten by AmTrust Europe Limited.
Take a look at an AGEAS car insurance policy document on its website for more details.
AGEAS only offers comprehensive car insurance. New and young drivers shouldn’t be put off by this fact.
You might be thinking you need a third party or third party, fire and theft policy. After all, these are generally cheaper than a comprehensive deal.
However, insurance companies sometimes charge less for comprehensive policies as high-risk customers have traditionally taken out third party cover.
A comprehensive policy will cover any damage you do to other road users or their property. Yet it will also pay out if your own car is damaged in an accident, a fire or during a robbery.
AGEAS also offers perks like an uninsured driver promise, so you’ll keep your no claims discount if you’re hit by a driver who doesn’t have cover.
Plus if you have an accident and your car can’t carry on, AGEAS will arrange onward travel to your next destination.
AGEAS also has a number of extras to add to your cover. Optional extras include:
|Fire and theft||✓|
|Personal belongings||Up to £10,000 per accident|
|Personal accident||Up to £100|
|Lifetime guarantee for approved repair work||✓|
|Courtesy car cover||✓|
|European car insurance||Up to 90 days|
|In-car entertainment cover||Up to £300 for equipment fitted to the car|
|Onward journey costs||✓|
|Replacement locks and keys||✓|
|24-hour motor legal advice helpline||✓|
Check your policy carefully to ensure it covers everything you need it to cover.
As with all insurance providers, AGEAS has a list of reasons why it will refuse to pay out for a claim. General exclusions include:
For a full list and explanation of the exclusions, see your insurance policy.
An excess is the amount of money you have to pay towards a claim before the insurance money kicks in. Usually this excess fee won’t be any higher than £350 and the point of it is to stop customers making frequent claims for small repair jobs.
By volunteering to have a higher excess you can lower your insurance premiums, although you need to make sure you can afford to pay the fee should you need to make a claim.
You can speak to AGEAS’ claims team all year round and every hour of the day by calling 0345 125 2450.
It’s a good idea to have your insurance details and information about your claim to hand when getting in touch.
For windscreen claims you should call 0345 165 0581 instead though. Likewise you’ll need a different number if you have a personal accident claim, a legal protection claim, a breakdown or you’re calling from abroad. Check the AGEAS website to find out the contact details.
On Trustpilot, AGEAS has 4.4 out of 5 stars and a rating of “Excellent”, based on more than 6,000.
On similar platform Reviews.io, things are less favourable. AGEAS has 1.9 out of 5 stars based on more than 20 reviews. Only 24% of customers say they would recommend the service.
Customers love the good value product and helpful service, but some complained about long hold times and misunderstandings with customer service (updated December 2020).
If you’re looking for a comprehensive car insurance policies, AGEAS has many helpful benefits included as standard. There is also access to a 24/7 legal helpline and a 24/7 claims line.
Only comprehensive cover is available, so those wanting to take out third party only or third party, fire and theft cover will have to look elsewhere.
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